Travel Health Insurance General Conditions
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Travel health insurance for eligible emergency medical expenses during temporary visits to North Cyprus by travellers who normally live elsewhere and are visiting for tourism or to see family or friends.
Product draft · Limits below are from the sample policy. Pricing and purchase details will be announced when finalised.
Sample policy
| €30,000 | Emergency medical and local ground ambulance limit per insured person |
|---|---|
| 1–30 days | Single visit · Online issuance is planned before first entry. |
Benefits and sample limits
| Benefit | Sample limit and conditions |
|---|---|
| Emergency medical and local ground ambulance | €30,000 per insured person in total. Medically necessary emergency consultations, tests, hospitalisation, surgery, related prescribed medicines and eligible ground ambulance transport within North Cyprus after sudden illness or accidental injury. |
| Emergency dental treatment | €250 per insured person within the medical limit, for acute pain or accidental dental injury. |
| Continued hospitalisation after expiry | For a medically certified uninterrupted admission, until discharge or up to 7 days after expiry, within the remaining medical limit. |
| Companion accommodation | €75 a night for up to 5 nights for one companion named on the same policy if a covered hospital stay exceeds 48 hours. |
| Return ticket changes | Up to €400 per insured person if a covered hospital stay causes a missed pre-booked return and a doctor confirms fitness for travel. |
| Necessary accommodation after discharge | €75 a night for up to 3 nights per insured person, with medical certification. |
| Repatriation of mortal remains | Separate €10,000 limit per insured person for eligible transport costs to the country of usual residence following a death from a covered event. |
Companion accommodation and return ticket costs share a combined €750 limit per event.
Where and when does cover begin?
Once the policy has been issued and the premium paid, cover starts at the later of the scheduled start and actual entry into North Cyprus. The policy uses North Cyprus local time.
London (Departure) → Istanbul (Connection) → Ercan (Actual entry into North Cyprus)
On a London–Istanbul–Ercan itinerary, if the scheduled start has already passed, cover begins at actual entry at Ercan. An illness that starts during the Istanbul connection falls outside cover, even if treated in North Cyprus.
Claims and reimbursement
- Emergency treatment — Emergency treatment can be obtained without prior approval from CAN Sigorta.
- Notification — Report the event as soon as reasonably practicable through the claims channel listed in the Policy Schedule.
- Documents and payment — The traveller or representative pays the provider. Eligible costs supported by an itemised invoice, proof of payment and a medical report are reimbursed subject to policy limits and any excess.
Frequently asked questions
Who is the product for?
North Cyprus Arrival Insurance is for people who normally live outside North Cyprus and are visiting for tourism or to see family or friends. Each traveller needs a separate policy for a single visit of 1–30 days.
When does cover end?
Cover ends at the time shown in the Policy Schedule or when the traveller leaves North Cyprus for the last time on that visit, whichever comes first. Cover pauses during a temporary departure and resumes upon re-entry during the same visit if the policy is still in force.
Which expenses are excluded?
The policy excludes claims arising from accidents, illnesses or related symptoms that begin before cover starts, as well as pre-existing conditions related to the claim. Planned or routine treatment, follow-up visits, routine prescription renewals, treatment outside North Cyprus, medical transfers abroad, air ambulance, medically escorted return, baggage loss and trip cancellation are also excluded. Further exclusions are listed in the General Conditions.
Does the policy pay the hospital directly?
The traveller or their representative pays the hospital bill. CAN Sigorta reimburses eligible expenses supported by the required documents, subject to policy limits and any excess. Emergency treatment requires no prior approval from CAN Sigorta.
How will online purchase and WhatsApp support work?
Each traveller’s policy must be issued online before their first entry into North Cyprus. CAN Sigorta’s 24/7 WhatsApp line for policy enquiries is +90 533 869 82 22. Claims are reported through the channel listed in the issued Policy Schedule.
CAN Sigorta Ltd. Product draft · Final terms are set out in the issued Policy Schedule and the General and Special Conditions.